526 20th AvenueIndian Rocks Beach, FL 33785Price: $1,279,000

  • Price: $1,279,000
  • Est. Mortgage of $/month
  • 3 Days on Market
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$/month over payments
Federal 30-year interest rate: 6.51% last updated on May 21, 2026
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.
  • $1,279,000List Price
  • 2Bedrooms
  • 2Full Bath
  • 1,107Square Feet
One or more photo(s) has been virtually staged. Experience the pinnacle of waterfront living at 526 20th Ave, a rare Intracoastal gem tucked away at the quiet end of a cul-de-sac in one of Indian Rocks Beach's most desirable enclaves. This property offers a unique “choose your own adventure” opportunity: move into the beautifully updated bungalow and enjoy the views immediately, or execute tentatively approved plans to nearly double your living space. Indian Rocks Beach offers the perfect blend of relaxed “Old Florida” charm and upscale coastal living. Just a short stroll from your front door are the pristine white sands of the Gulf of Mexico, breathtaking sunsets, eclectic boutiques, and award-winning local dining. Enjoy a walkable lifestyle in a close-knit beach community known for its laid-back atmosphere and strong vacation appeal. Unlike narrow finger canals, this property sits directly on the open Intracoastal Waterway with expansive north and south water views. Enjoy direct Gulf access from your backyard, ideal for sunset cruises or deep-sea fishing. A private 10,000-lb boat lift keeps your vessel secure and ready at a moment's notice. Watch dolphins and manatees from your backyard or relax in the hot tub while enjoying the annual holiday boat parade and local regattas. Nearly every room in the home captures magnificent unobstructed water views. The single-level interior has been meticulously updated for effortless, low-maintenance living. The gourmet kitchen features a 9-foot quartz island, soft-close cabinetry, and a new 8-foot impact-resistant picture window. Premium JennAir induction cooktop and dishwasher are complemented by an LG refrigerator and microwave. Every bathroom has been completely remodeled with sophisticated finishes and contemporary vanities. Durable luxury vinyl plank flooring throughout provides true “no-stairs, no-stress” living. Step outside to a newly paved waterfront deck and adjustable louvered pergola designed for the perfect balance of sun and shade. Hurricane-impact windows throughout provide peace of mind, energy efficiency, and storm protection. This property also offers exceptional flexibility and investment potential. The city has tentatively approved plans for an attached ADU expansion adding nearly 1,700 additional square feet plus a two-car garage without removing the existing structure. Preliminary floor plans and elevations are included in the photos. With designer upgrades, a private boat lift, and a premier waterfront location, this home is ideally suited as a luxury primary residence, vacation retreat, or high-performing short-term rental opportunity. No HOA fees, favorable Pinellas County taxes, and a peaceful setting surrounded by multi-million-dollar homes complete this extraordinary waterfront offering.

Property Details of 526 20th Avenue

Property Details

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$
$
%
Est. Mortgage:
$/month over payments
Federal 30-year interest rate: 6.51% last updated on May 21, 2026. * The above figures are estimates provided by Union Street Media using the FRED® API, and are not endorsed or certified by the Federal Reserve Bank of St. Louis. Check with your lender for actual interest rates.
Listed by Robert Mitchell II of LPT REALTY,LLC (877-366-2213)

Listings courtesy of StellarMLS as distributed by MLS GRID. Based on information submitted to the MLS GRID as of May 22, 2026 11:04 PM EDT. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information. IDX information is provided exclusively for consumers’ personal noncommercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. The data is deemed reliable but is not guaranteed by MLS GRID. The use of the MLS GRID Data may be subject to an end user license agreement.

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